Umbrella Insurance

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Most people spend a lifetime building a secure financial future. But just one lawsuit can change everything. Without adequate personal access liability coverage, your assets are at risk.

Corporate Risk Solutions Personal Insurance specializes in personal excess liability insurance and understands the importance of this coverage in your insurance portfolio. Our specialists carefully consider your potential risks and design comprehensive coverage programs. CRS advisors can provide you with a level of financial protection and personalized service not available from many other brokers.
 
What Does Umbrella Insurance Cover?

Umbrella Insurance covers additional liability coverage above the limit of your insurance policies such as homeowners, auto, and boat insurances. In addition, umbrella insurance is a plan that is designed to activate when the liability on your current policies have been exhausted. Umbrella Insurance provides coverage for claims that may be excluded on your liability policies including false arrest, slander, libel, and liability coverage on rental units you may own.

 
How An Umbrella Insurance Policy Can Protect You

Certain situations can result in liability on your end that may be covered by a well-executed umbrella policy.  A person's bodily injury, damage to property, or the liability of a landlord are the most common claims that can be addressed with umbrella insurance.

Examples of these personal injury scenarios include: 
  • a serious auto accident with injuries to other where you are at fault
  • your dog or pet causing harm to others
  • a neighbor's child who is injured while playing in your yard
  • a guest in your home falls and sustains injuries
Some examples of property damage include: 
  • an auto accident with damaged vehicles where you are at fault
  • your dog or pet causing damage to others' property or belongings
  • damage to school or business properties
Umbrella policies also protect owners of rental units:
  • a fall on your rental property resulting in a lawsuit for damages
  • the pet of a tenant causing personal injury or property damage

How Much Do You Have to Lose? 
Personal excess liability coverage protects individuals from a covered claim brought against them for bodily injury, personal injury or property damage. It is an important layer of protection that prevents an individual from incurring a devastating financial loss in the event of a legal settlement against them

The most common question individuals ask is, “How much coverage do I need?” The amount of excess liability coverage you choose should be based upon your potential risks, the legal environment, physical assets and your personal net worth.


Finding the right Umbrella Insurance Coverage for you and your family can be tough. Certainly, at Corporate Risk Solutions, giving you the exact umbrella insurance you need to cover your assets is a must.  An Umbrella policy can cover more than what your current policies cover such as being sued, detention, imprisonment, prosecution, and other libel situations. T

Staying protected just got better with affordable umbrella policies from Corporate Risk Solutions. Call us today for a fast and simple quote.
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